Net Income Analysis ( % relative to Total Revenue )
Income Statement Incommons Bank, N.A. All Insured Commercial Banks in Texas
Interest and Fees on Loans 5,968 10,872
Income from Lease Financing Receivables — 2
9 44
Estimated Tax Benefit from Tax-Exempt Loan Income 5 22
Income on Loans and Leases (TE) 5,973 10,941
Investment Interest Income (TE) 768 2,007
Total Interest Income (TE) 6,773 13,476
Total Interest Expense 474 1,063
Net Interest Income (TE) 6,299 12,338
Non-Interest Income 1,420 2,639
Adjusted Operating Income (TE) 7,719 15,335
Non-interest Expense 6,299 9,693
Provision for Loan & Lease Losses 262 524
Pretax Operating Income (TE) 1,158 4,819
Pretax Net Operating Income (TE) 1,209 4,946
Applicable Income Taxes 174 576
Net Operating Income 827 3,858
Net Income 827 3,845
Cash Dividends Declared 535 1,701
Retained Earnings 292 1,997